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Overseas Travel Health Insurance Policies from India
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(1) Overseas Travel Health Insurance   (2) Salient Points of Overseas Travel Insurance
(3) Best & Economical Policy for Overseas Travel   (4) Selection of Overseas Travel Insurance
(5) Specimen proposal form of ICICI Lombard   (6) Policy wording individual overseas travel insurance (Tata AIG)*
(7) Policy Wording/ Proposal Form/ Brochure   (8) Policy wording overseas travel insurance (ICICI Lombard)
(9) Product details of Various Companies for Overseas Travel Insurance/Policy
General/ Health Insurance Companies Products
   8- Policy wording overseas travel insurance (ICICI Lombard)
Medical Expenses
Costs incurred for necessary medical treatment undergone during the Trip abroad less the deductible excess stated in the Schedule. For the purpose of this Benefit, 'treatment' shall be deemed to include only the following:
  • Out patient treatment, provided, the same is critical and cannot be deferred till the insured's return to the Republic of India.
  • In patient treatment in a local hospital at the place the Insured is staying at the time of occurrence of an insurable event or at the nearest hospital.
  • Medical aid that is prescribed by a Physician as necessary part of the treatment for broken limbs or injuries (e.g. plaster casts, bandages and walking aids)
  • Radiotherapy, heat therapy or photo therapy and other such treatment prescribed by a Physician
  • X-Ray, diagnostic test, provided these pertain to the diagnosed diseases due to which hospitalization was deemed necessary
  • Cost of transportation, including necessary medical care en-route, by recognized emergency service providers for medical attention at the nearest hospital or at the nearest Physician
  • Cost of being transferred to a special clinic if this is medically necessary and prescribed as such by a Physician
  • Life saving unforeseen emergency measures, or measures solely designed to relieve acute pain, provided to the Insured by the Physician for Disease/accident arising out of a pre-existing condition. The treatment for these emergency measures would be paid till the insured becomes medically stable or is relieved from acute pain. All further medical cost to maintain medically stable state or to prevent the onset of acute pain would have borne by the Insured.
Also Covers
Transportation :
1. Any extra costs of medically necessary and prescribed transportation from the foreign country to the Republic of India provided that
  • a. Extra costs in the event of transportation are arising as a consequence of the insurable event and;
  • b. In the opinion of the Third Party Administrator, the Insured is capable of being transported to India.
2. Additional costs of accompanying person(s), if it is medically necessary that the Insured be accompanied to the Republic of India.
Balance Period of Policy + 30 days :
If the Third Party Administrator advises that the continued treatment in the Republic of India is appropriate, then the Company will pay the medical expenses incurred in India for the same illness/ injury contracted abroad following the transportation to India, for a maximum period of 30 days from the date of return to the Republic of India, provided that the illness / injury is sustained or contracted within the Period of Insurance during the Trip abroad.
Repatriation Of Remains :
This benefit is included under the Medical Expenses Cover and is not a separate benefit. In the event of the death of the Insured due to an insurable event in terms of this Policy, the Company shall compensate for the costs of transporting the remains of the deceased Insured back to the Republic of India or, up to an equivalent amount, for a local burial or cremation in the country where the death occurred, subject to the maximum limit as specified in the Schedule to this Policy. 
The deductible excess in respect of this benefit will be applicable for each separate claim, and shall be of an amount as specified in Part I of the Schedule to this Policy.
Daily Allowance In Case Of Hospitalization :
This benefit is included under the Medical Expenses Cover and is not a separate benefit. In the event of hospitalization of the Insured for more than 2 consecutive days due to an illness or injury sustained or contracted within the period of insurance whilst on the trip abroad, a daily allowance will be reimbursed to the Insured as specified in Part I of the Schedule.
The maximum benefit payable under this cover is US$25 per day for maximum of 5 consecutive days. This benefit can be claimed only once during the Policy period.
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